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Betterment LLC Portfolio holdings
AUM
$59.1B
1-Year Est. Return
18.41%
This Fund
S&P 500
This Quarter
Est. Return
+1.79%
1 Year Est. Return
+18.41%
3 Year Est. Return
+46.26%
5 Year Est. Return
+34.87%
10 Year Est. Return
+109.51%
AUM
$52.5B
AUM Growth
+$1.89B
(+3.7%)
Cap. Flow
+$992M
Cap. Flow
% of AUM
1.89%
Top 10 Holdings %
Top 10 Hldgs %
68.69%
Holding
563
New
41
Increased
351
Reduced
153
Closed
12
Avg Time Held
12.3
quarters
Top 10 Avg Time Held
27.6
quarters
Top 20 Avg Time Held
26.1
quarters
Top Buys
| Rank | Stock | Value |
|---|---|---|
| 1 |
State Street SPDR Portfolio S&P 500 ETF
SPYM
|
+$401M |
| 2 |
iShares National Muni Bond ETF
MUB
|
+$176M |
| 3 |
iShares Core US Aggregate Bond ETF
AGG
|
+$169M |
| 4 |
Vanguard Emerging Markets Government Bond ETF
VWOB
|
+$90.7M |
| 5 |
Vanguard FTSE Developed Markets ETF
VEA
|
+$69.9M |
Top Sells
| Rank | Stock | Value |
|---|---|---|
| 1 |
Vanguard Morningstar Total Stock Market ETF
VTI
|
+$203M |
| 2 |
iShares JPMorgan USD Emerging Markets Bond ETF
EMB
|
+$73.8M |
| 3 |
iShares Core S&P Total US Stock Market ETF
ITOT
|
+$38.2M |
| 4 |
iShares Fallen Angels USD Bond ETF
FALN
|
+$31.4M |
| 5 |
State Street SPDR Nuveen ICE Municipal Bond ETF
TFI
|
+$23.2M |
Sector Composition
| Rank | Sector | Weight |
|---|---|---|
| 1 | Miscellaneous | 99.91% |
| 2 | Technology | 0.04% |
| 3 | Communication Services | 0.01% |
| 4 | Consumer Discretionary | 0.01% |
| 5 | Financials | 0.01% |
| Name | Market Value | Portfolio Weight | Shares or Principal |
Change in Stake | Capital Flow | Held Since | |
|---|---|---|---|---|---|---|---|
326
Vanguard Energy ETF
VDE
$11.1B
| $809K | ﹤0.01% |
6,426
+1,405
| +28% | +$176K |
2025 Q1
3 quarters
|
|
327
Broadcom
AVGO
$1.7T
| $803K | ﹤0.01% |
2,321
+631
| +37% | +$226K |
2024 Q3
5 quarters
|
|
328
State Street SPDR Portfolio Short Term Treasury ETF
SPTS
$7.13B
| $797K | ﹤0.01% |
27,229
+1,271
| +5% | +$37.2K |
2024 Q1
7 quarters
|
|
329
Vanguard S&P Mid-Cap 400 Growth ETF
IVOG
$1.71B
| $794K | ﹤0.01% |
6,609
-244
| -4% | -$29.3K |
2018 Q4
28 quarters
|
|
330
PIMCO Active Bond Exchange-Traded Fund
BOND
$8.52B
| $787K | ﹤0.01% |
8,451
+1,889
| +29% | +$177K |
2023 Q1
11 quarters
|
|
331
State Street SPDR ICE Preferred Securities ETF
PSK
$631M
| $785K | ﹤0.01% |
24,779
-4
| -0% | -$129 |
2023 Q4
8 quarters
|
|
332
State Street SPDR Portfolio MSCI Global Stock Market ETF
SPGM
$1.81B
| $781K | ﹤0.01% |
+10,178
| New | +$774K |
2025 Q4
0 quarters
|
|
333
SPDR Gold MiniShares Trust
GLDM
$31B
| $780K | ﹤0.01% |
+9,133
| New | +$751K |
2025 Q4
0 quarters
|
|
334
Capital Group Municipal Income ETF
CGMU
$6.95B
| $775K | ﹤0.01% |
28,313
+711
| +3% | +$19.5K |
2024 Q4
4 quarters
|
|
335
iShares Russell 2000 Growth ETF
IWO
$14B
| $774K | ﹤0.01% |
2,397
-448
| -16% | -$146K |
2020 Q1
23 quarters
|
|
336
State Street Utilities Select Sector SPDR ETF
XLU
$24.1B
| $772K | ﹤0.01% |
18,087
+3,785
| +26% | +$168K |
2023 Q2
10 quarters
|
|
337
First Trust Morningstar Dividend Leaders Index Fund
FDL
$7.74B
| $771K | ﹤0.01% |
17,388
+2,192
| +14% | +$95.5K |
2025 Q1
3 quarters
|
|
338
Vanguard Russell 1000 ETF
VONE
$9.12B
| $759K | ﹤0.01% |
2,456
-43
| -2% | -$13.2K |
2025 Q2
2 quarters
|
|
339
State Street SPDR MSCI ACWI ex-US ETF
CWI
$2.88B
| $758K | ﹤0.01% |
21,113
+1,936
| +10% | +$68.5K |
2025 Q2
2 quarters
|
|
340
Aptus Defined Risk ETF
DRSK
$1.4B
| $756K | ﹤0.01% |
26,546
+4,202
| +19% | +$123K |
2025 Q2
2 quarters
|
|
341
Dimensional US Marketwide Value ETF
DFUV
$15.4B
| $750K | ﹤0.01% |
16,094
-795
| -5% | -$36.1K |
2024 Q2
6 quarters
|
|
342
Avantis Core Fixed Income ETF
AVIG
$1.98B
| $749K | ﹤0.01% |
17,866
+139
| +0.8% | +$5.85K |
2023 Q4
8 quarters
|
|
343
iShares MSCI Emerging Markets Min Vol Factor ETF
EEMV
$3.56B
| $748K | ﹤0.01% |
11,673
+2,193
| +23% | +$141K |
2025 Q2
2 quarters
|
|
344
JPMorgan Chase
JPM
$891B
| $748K | ﹤0.01% |
2,322
+315
| +16% | +$97.5K |
2024 Q3
5 quarters
|
|
345
Vanguard Russell 1000 Growth ETF
VONG
$47.8B
| $746K | ﹤0.01% |
6,128
+887
| +17% | +$108K |
2025 Q1
3 quarters
|
|
346
abrdn Physical Silver Shares ETF
SIVR
$4.08B
| $729K | ﹤0.01% |
10,771
-302
| -3% | -$15.9K |
2023 Q2
10 quarters
|
|
347
WisdomTree US MidCap Dividend Fund
DON
$3.82B
| $728K | ﹤0.01% |
14,115
-334
| -2% | -$17.2K |
2021 Q4
16 quarters
|
|
348
State Street Financial Select Sector SPDR ETF
XLF
$51.2B
| $719K | ﹤0.01% |
13,120
+3,334
| +34% | +$178K |
2025 Q1
3 quarters
|
|
349
State Street Energy Select Sector SPDR ETF
XLE
$42.5B
| $711K | ﹤0.01% |
15,903
-553
| -3% | -$24.6K |
2021 Q4
16 quarters
|
|
350
ProShares Ultra QQQ
QLD
$15.3B
| $703K | ﹤0.01% |
+9,988
| New | +$708K |
2025 Q4
0 quarters
|
|
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Betterment LLC's Q4 2025 Portfolio in Review
As of Q4 2025, Betterment LLC held 563 positions worth $52.5B, up 3.7% from $50.6B the previous quarter. Its ten largest holdings account for 69% of the portfolio.
Betterment LLC's Q4 2025 filing shows 41 new, 351 increased, 153 reduced and 12 closed positions. Its largest new stake was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M. The largest sale was Vanguard Morningstar Total Stock Market ETF, an estimated $203M.
By sector, the portfolio is most concentrated in Miscellaneous at 100% of assets, down from 100% a quarter earlier, followed by Technology and Communication Services.
- Betterment LLC's largest Q4 2025 buy was BlackRock ETF Trust II iShares AAA CLO Active ETF: 324,160 shares worth $16.8M.
- Betterment LLC added most to State Street SPDR Portfolio S&P 500 ETF in Q4 2025, an estimated $401M increase.
- Betterment LLC's biggest Q4 2025 reduction was Vanguard Morningstar Total Stock Market ETF, cutting an estimated $203M.
- Betterment LLC fully exited iShares Fallen Angels USD Bond ETF in Q4 2025, selling an estimated $31.4M.
- Betterment LLC's ten largest holdings make up 69% of its $52.5B portfolio in Q4 2025.
- Betterment LLC opened 41 new positions and closed 12 in Q4 2025.
- Betterment LLC's portfolio value rose 3.7% quarter-over-quarter to $52.5B.
Based on Betterment LLC's 13F filing for Q4 2025, filed 12 Feb 2026.